Mercury provides auto insurance with an innovative pay-per-mile program, and drivers who take part can save up to 20 percent off their rates by participating.
Homeowners insurance with Mercury offers protection for standard features like deadbolt locks and smoke detectors as well as options like replacement cost personal property coverage. Bundling both policies could save money.
Cost
Mercury provides low auto insurance rates across most credit tiers. However, rates depend on several other factors including your state, zip code, driving record and vehicle type. Mercury also sells home and motorcycle coverage policies; active military members may find savings with USAA which typically offers lower rates in most tiers and covers all 50 states.
Other important variables that can have an effect on the cost of car insurance include your age and place of residence. On average, older drivers tend to pay less because they’ve been on the road longer and gained experience; younger drivers present a greater risk to insurers therefore leading them to pay higher premiums for auto coverage.
Mercury provides an intuitive app that makes managing your policy on the go easy and secure. Access your bill, policy documents and payments swiftly and safely from anywhere – enrolling in automatic payments can even make future payments simpler! Furthermore, easily change vehicle details, driver details, mortgagee details or claim status all from your phone – this feature is particularly handy if you need quick answers from Mercury quickly!
Coverage
Mercury Insurance Company has an outstanding history of offering affordable auto insurance policies at rates significantly below average. They even provide reduced rates to drivers with poor driving records as well as discounts such as its RealDrive program that allow drivers to save money by adapting their driving style.
Mercury Homeowners Insurance can protect your property in the event of fire, smoke, theft and loss of use. Although it does not cover earthquakes or floods directly, you can often add coverage with other insurers if required.
Mercury Insurance Group provides comprehensive and collision coverages as well as liability protection for auto policies. You can buy these options either through a local Mercury agent or online; bundling them together could save money!
Mercury provides home and auto insurance policies tailored specifically for businesses, including commercial property insurance and business owners insurance policies. Their telematics program can also help save on auto insurance; while USAA doesn’t offer military discounts as such, its telematics programs can still provide significant savings and make Mercury an excellent option for both current and retired military members looking for savings as well as civilians looking for ways to reduce premium costs for car and home policies. Furthermore, Mercury also offers many other forms of cover.
Customer Service
Mercury Insurance Company stands out from its competition by providing personalized service through a local agent network and online tools that make managing coverage simple. As with most insurers, Mercury offers personalized agent representation as well as additional products such as mechanical breakdown insurance which covers costs associated with replacing or repairing covered components in your car.
Comparative to competitors, Mercury Insurance Group boasts some of the lowest auto and home insurance rates available in states it operates; however, customer service ratings were subpar and there were issues with claims processing. A J.D. Power survey gave Mercury below-average marks for customer satisfaction with auto coverage while awarding them above average scores with home policies.
Home insurance offerings from this company include replacement cost personal property coverage, which replaces lost or stolen items with similar new ones instead of their actual cash value (the amount they are worth after depreciation). Furthermore, its standard homeowners policy offers extra living expense coverage which pays for rental housing costs should you need to leave your own house after suffering damage.
However, the company doesn’t offer as many discounts and perks for loyal customers like other insurers like CSAA Insurance Group which have more generous options for discounts and perks for them. Also its auto and home policies don’t cover losses from earthquakes and floods.
Complaints
Mercury Insurance Company has received mixed reviews for their claims process, with some customers praising its efficiency while others complaining of long wait times and unsatisfactory communication. Furthermore, there have been allegations against Mercury denying legitimate claims and not fulfilling policies as promised.
Insurance policies from this provider cover everything from homeowners insurance, renters insurance and business policies, with some available at discounted rates when purchased together – such as roadside assistance coverage, mechanical protection devices and anti-theft devices in car policies for instance.
Homeowners insurance provides protection for both your house and personal belongings from certain forms of loss. It typically includes liability coverage, with optional upgrades for flood and earthquake insurance, identity theft coverage and difference-in-conditions coverage to provide more comprehensive protection than a standard home policy would afford. Mercury offers additional features like identity theft coverage and difference-in-conditions protection which help safeguard your possessions when traditional policies don’t.
AM Best, an international credit rating agency that assesses insurance providers, awarded them with an “A+” rating which indicates a high level of financial strength and stability. Unfortunately, consumer reviews on popular review websites have revealed mixed opinions of this insurance provider; most often related to pricing transparency issues while some concerns center around mishandled claims or difficulties with agents.
